Visitors Care Insurance

VisitorsCare Visitor Insurance

Visitors Care Insurance provides low-cost visitor medical insurance for visiting USA or traveling for business or pleasure outside America or home country, and is available for a minimum plan duration of 5 days up to a maximum of two years. The VisitorsCare policy is customizable to best fits your budget with a choice of deductible levels and maximum limits.

Buy Visitors Care Insurance plan as it offers affordable fixed benefit insurance coverage when you have relatives or parents visiting USA or for anyone traveling outside America or Canada to any foreign country.

VisitorsCare plan is renewable and offers basic scheduled benefit coverage for in-patient and out-patient medical expenses. The plan offers optional riders that cover acute onset of pre-existing conditions. With the Heart Care Plus Rider added to the policy, Stroke or Myocardial Infarction (Heart Attack) are covered unto limited amounts for ages below 75 years. Visitors Care Insurance plan members can seek treatment with any doctor or hospital of their choice.

Visitors Care Insurance Suits

Relatives/Parents visiting USA from India, China, etc.

Budget travelers, tourists or vacationers seeking basic coverage

New immigrants needing interim coverage

Visitors Care Insurance Review

Visitors Care Insurance is a low-cost, scheduled or fixed benefit plan that meets the insurance needs of non-U.S. citizens seeking a temporary visitor medical insurance plan while visiting USA and traveling for business or pleasure worldwide outside of their home country. The plan provides coverage for relatives or parents visiting USA and traveling to America and other nations worldwide. The plan offers individuals and families with the scheduled benefit coverage up to the amounts fixed in the summary of benefits table in the plan brochure. The plan can be purchased from a choice of a wide range of plan maximum limits and deductible options, and suited for USA visitors who is seeking a basic plan at a very affordable premiums.

Visitors Care plan offers basic benefits and services to meet the needs of a wide array of needs for travelers. With access to emergency medical services and treatment, visitors to USA can enjoy their visit knowing that their health is protected under this plan for sickness/injury. The plan offers periods of coverage from 5 days to 12 months up to a maximum and is renewable. Review plan benefit information, policy options, coverage details and quote, buy and purchase policy instantly online.

Renew VisitorsCare Insurance Online, extend coverage dates from 5 days to a total duration of 12 months (1 year)
Keeps coverage active without letting the policy lapse/expire.Note: A $5 renewal fee applies each time you renew.

Plan Eligibility

Non-US citizen visiting USA for business or pleasure with a legal visa status, or
Foreign national or US citizen traveling outside America and home country.Note: US citizens living abroad (expats) and visiting the United States are NOT eligible to purchase this policy.
For Insured Persons 65 years of age and older visiting the United States of America, initial Period of Coverage must begin within 30 days of arrival in the United States or must have proof of valid international travel insurance
coverage expiring no more than 30 days prior to initial Effective Date of Coverage.

Area of Coverage

Worldwide excluding Home Country.

Coverage Period or Plan Duration

Coverage period minimum length of 5 days to maximum 12 months.
Plan is renewable up to a maximum total duration of 12 continuous months.

Certificate Period

The period beginning on the effective date of coverage of this certificate, including any extension purchases, and ending on the termination date.

Lifetime Maximum Benefit Limit

Age 15 days to Age 79 years:
Maximum coverage choices include: Plan A $25,000, Plan B $50,000, and Plan C $100,000
Age 80 years of age and older:
Maximum coverage limited: Plan A $10,000Note: This overall maximum limit is limit amount applies per person, per certificate period of coverage, as specified by age of member.
This maximum amount excludes Emergency Medical Evacuation, Accidental Death and Dismemberment, Common Carrier Accidental Death, and other benefits listed below which have own separate limits.

Deductible

Age 15 days to Age 79 years:
Under Plans A, B or C, Deductible choices are $0, $50, or $100 per incident/accident.
Age 80 years of age and older:
Under Plan A, Deductible choices are $50, or $100 per incident/accident.Note: Only one deductible per insured member or three (3) deductibles per family must be satisfied during twelve (12) months of continuous coverage.
After the first twelve (12) months of continuous coverage, a new deductible will apply for any period of continuous coverage thereafter.
Higher the selected deductible, lower the premium cost paid to purchase for selected maximum coverage.

Preferred Provider PPO Network

No PPO Network, go to any doctor or hospital.Note: If you need help in finding a doctor/hospital, you can use the Patriot Insurance Provider PPO Network to find healthcare service providers.
Access care at any doctor or hospital, no savings inside or outside the PPO network.

Inpatient Services[Subject to the coinsurance and deductible when applicable, and Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage]

Inpatient Physician

Maximum per Day Visit: Plan A: $40, Plan B: $55, and Plan C: $85Note: Limited to 1 visit per day
Maximum number of doctor visits is limited to 30.

Maximum per day: Plan A: $825, Plan B: $1,400, and Plan C: $1,950Note: Maximum number of days is limited to 30.
Average semi-private room rate.
Includes miscellaneous charges and ancillary services, including nursing services.

Intensive Care Unit

Maximum per day: Plan A: $400, Plan B: $660, and Plan C: $850Note: Maximum number of days is limited to 30.

Maximum per Visit: Plan A: $25, Plans B and C: $40.Note: Limited to 1 visit per day
Maximum number of doctor visits is limited to 12.

Extended Care Facility

Maximum per Visit for Plan A: $150, Plan B: 200 and Plan C: $250.Note: Upon direct transfer from acute care hospital only.
Maximum number of days is limited to 15.

Prescription Drugs

Maximum Limit for Plan A: $150, Plans B and C: $250.

Emergency Services[NOT Subject to the deducible or coinsurance unless otherwise noted, and subject to Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage]

Common Carrier Accidental Death

Plans A, B and C: $5,000 maximum per insured member
$25,000 per family maximum.Note: Not subject to deductible or coinsurance.
A maximum of $250,000 per insured family involved in the same accident.

Maximum Limit for Plan A: $25,000, Plan B and C: $50,000.Note: This benefit amount is in addition to the medical maximum.
This benefit must be approved in advance and coordinated by the plan administrator.

Return of Mortal Remains or Burial/Cremation

Plans A, B and C:
Up to $7,500 Maximum Limit per lifetime for return of the Insured Person's Mortal Remains or ashes to Country of Residence, or
Up to $5,000 Maximum Limit per Insured Person for preparation, local burial or cremation of the Insured Person’s mortal remains at the place of death.Note: This benefit must be approved in advance and coordinated by the plan administrator.

Other Services[NOT Subject to the deducible or coinsurance unless otherwise noted, and subject to Usual, Reasonable, and Customary (URC) charges, limits per certificate period up to the maximum period of coverage]

Plans A, B and C: Up to a cumulative total of 14 days during the coverage period.
Note: Provides accommodation and supplemental benefit to the insured for incidental return trips to his/her home country.
This benefit must be approved in advance and coordinated by the plan administrator.

Optional Riders to the Policy[Riders can be optionally added on and purchased at an additional cost to enhance standard plan benefits]

Heart Care Plus Rider

Heart Plus Rider Benefit Amount maximums by age:
Age 0 to 69 years: Up to $5,000.
Age 65+ years: Up to $2,500.Note: In the event an insured person experiences a Stroke or Myocardial Infarction (Heart Attack) while the certificate is in force, and the condition is deemed to be pre-existing, the plan will cover those expenses associated with said condition up to a maximum benefit amount stated by age.
Charges incurred that are directly related to a Myocardial Infarction or Cerebrovascular Accident, which is determined to be a Pre-existing Condition, as defined herein, will be reimbursed up to the maximum as shown in the provision for Heart Plus Rider.
Cerebrovascular Accident (Stroke, CVA, Transient Ischemic Attack, TIA): A disruption of blood flow to the brain resulting in neurologic changes, either permanent (CVA) or temporary (TIA). This can include an ischemic stroke, hemorrhagic stroke or bleeding due to an aneurysm.
Myocardial Infarction (MI, Acute Myocardial Infarction, AMI, Non-ST Segment Elevation Myocardial Infarction, STEMI, Heart Attack): An acute interruption of vascular perfusion of any portion of the myocardium (muscles of the heart) due to either an occlusion of a coronary artery or to vascular spasm causing damage to the myocardium.
Charges are subject to Deductible or Coinsurance, Usual, Reasonable, and Customary (URC), and maximum Limits per Period of Coverage or if indicated, per Lifetime.

50% reduction of eligible medical expenses for treatments & supplies if Pre-certification provisions are not met.
Deductible is taken after reduction.
Coinsurance is applied to remainder of the reduced amount.
Medical Evacuation: No coverage if not approved by the plan administrator.
See pre-certification section in plan brochure for details, pre-certification does not guarantee benefits.

Claims & Reimbursement

Download and print the IMG Claims Form to submit proof of claims for review & reimbursement.
Submit the completed the proof of claim form and file along with the itemized medical bill/s to the plan administrator.
The insured member and/or physician, hospital and other healthcare and medical service providers and suppliers shall have ninety (90) days from the date a claim is incurred.Note: Plan does not guarantee payment to a healthcare service provider or facility or insured individual for medical expenses until the plan administrator determines it is an eligible expense.Direct cashless billing is also available when the healthcare service provider is directly paid for the services rendered.

Cancellation & Refund

If any claims have been filed with the plan administrator, the premium is fully earned and is non-refundable.
If no claims have been filed with the Company,
1. A cancellation fee of US$25.00 will be charged; and
2. Only whole or full month premiums will be considered as refundable.Note: A written (email) request is required.

Disclaimer: The information provided on this page is only a summary, be sure to read plan brochure, Certificate of Insurance, and governing policy documents for complete details.
The Master Policy is not a Comprehensive or Full-Coverage Accident and Health Insurance Policy, nor is it a Major Medical plan. Rather, it provides Limited Scheduled Benefits to insured persons, as outlined herein, while they are traveling or temporarily residing outside their home country.
The specified benefits is subject to change, always refer to the plan brochure and program summary or policy certificate for the latest information on the plan.
All coverages and benefits are shown in U.S. Dollar amounts and are per person and per certificate period of coverage unless otherwise noted.
Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable and Customary (URC) charges.
Except as specifically indicated otherwise, all benefits are subject to deductible, coinsurance, and are per certificate period.
This insurance is not subject to, and does not provide some of the insurance benefits required by, the United States Patient Protection and Affordable Care Act (PPACA).
To receive Evacuation and Return coverage benefits listed, all arrangements for services must be coordinated by plan administrator.
Pre-existing Condition: Any Injury, Illness, sickness, disease, or other physical, medical, Mental or Nervous Disorder, condition or ailment that, with reasonable medical certainty, existed at the time of Application or at any time during the three (3) years prior to the Effective Date of this insurance, whether or not previously manifested, symptomatic or known, diagnosed, Treated, or disclosed to the Company prior to the Effective Date, and including any and all subsequent, chronic or recurring complications or consequences related thereto or resulting or arising therefrom.